What documents are needed to buy property in Poland?

1. Passport or other identity document. 2. PESEL number (if you have one). 3. Residential address (for the contract). 4. Spouse consent if the property is bought in marriage (wspolnota majatkowa). 5. Mortgage documents (if buying with a loan): income statements, employment contract/umowa o prace or B2B, bank statements, credit history. 6. Bank account number from which payment will be made.

Can a foreigner buy property in Poland?

Yes, a foreigner can buy property in Poland, but the rules depend on citizenship and property type. Short and clear: 1. EU citizens Can buy freely - apartments, houses, land, commercial. No permit required. 2. Non-EU citizens (including Ukraine, Belarus, Russia, Asia, etc.) Can buy without a permit: apartment (lokal mieszkalny) - always; garage if purchased together with an apartment. A permit from the Ministry of Interior (zezwolenie MSWiA) is required if a foreigner wants to buy: a house (dom jednorodzinny), a land plot, agricultural land, commercial property.

For foreigners

Real estate agent for foreigners in Poznan

Help for expats buying or renting in Poznan: rights, documents, MSWiA, mortgage and taxes. License No. 31933, 6 languages, 97% deals to deed.

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Buying and renting without losing meaning between languages

If you are moving to Poznan or already live here, a property deal is not just portals and a translated listing. In practice, the land register (KW), preliminary contract wording, notary timelines, and how the seller replies in Polish decide the outcome.

I have handled deals with foreign clients since 2019: License No. 31933, liability insurance, lawyer and notary on the team. We close 97% of cases with the final deed — from shortlist to keys.

Who this section is for

EU and EEA citizens can buy a flat in a building (lokal mieszkalny) without a separate permit. If you are from Ukraine, Belarus, or another non-EU country, a flat is usually possible without an MSWiA permit, while a house, plot, or commercial unit requires ministry approval (Act of 24 March 1920 on acquisition of real estate by foreigners).

Below — five guides and a typical deal path. Start with first steps or book a consultation if you already have a property in mind.

Three scenarios we see most often

Purchase rights: what depends on citizenship

Before you reserve a flat we check the asset type and whether an MSWiA file is needed — a mistake here sets the deal back by months.

EU / EEA / Swiss citizens

Residential and commercial property on the same terms as Polish citizens. You need standard documents, a KW check, and a safe payment route (escrow with the notary or rachunek powierniczy).

Non-EU — flat (lokal mieszkalny)

A flat in a multi-family building usually does not require an MSWiA permit. You need a valid passport, residence card (if any), PESEL, and a sworn translator at the notary. Full checklist: documents.

House, land, commercial

For a house, plot, or commercial unit, a non-EU buyer typically needs MSWiA approval. Processing takes from several weeks; we plan the application before the preliminary contract so you do not lose the property.

Renting without buying

Long-term rent does not need a purchase permit, but the najmu contract and deposit (kaucja) should be clear in your language. See renting in Poznan and occasional lease if you are a landlord.

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For foreigners

After purchase

From consultation to keys

How a supported purchase works

The flow below is a typical flat purchase in Poznan; timelines depend on the bank, MSWiA, and how fast the seller provides documents.

Consultation and strategy

We confirm citizenship, asset type, budget, and whether you need a mortgage. We set target districts and KW red flags before viewings.

Search and due diligence

We arrange viewings, pull the current KW extract, check encumbrances, co-op or HOA status, and development plans around the building.

Reservation and preliminary contract

We agree on deposit or secured deposit, deadlines for the notarial deed, and penalties. A lawyer reviews the contract before you sign.

Finances and notary

We coordinate the escrow transfer, loan approval (if any), and notary date. Sworn interpreter when needed.

Deed and registration

We sign the transfer deed and register ownership in the district court. Keys handover plus an after-purchase checklist.

Poznan and surroundings

Services foreigners request most often

The flow below is a typical flat purchase in Poznan; timelines depend on the bank, MSWiA, and how fast the seller provides documents.

Buying a flat

Search, negotiations, KW review and support through the deed.

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Renting

Long-term rent with contract and deposit review.

Learn more

Mortgage

Bank comparison and document pack before reservation.

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Trust and guarantees

Realtor activity is insured

Languages spoken:

English
Italian
Polish
Belarusian
Ukrainian
Russian

Licensed realtor (No. 31933)

00+

5+ years of experience

About the agent

About Marina Buguk

Legal safety

I work with a team of real estate lawyers and a notary. We guarantee legal safety.

Efficiency and speed

I work proactively and stay fully focused - this saves you time and delivers results without delays.

Professional support

I easily build rapport with both sellers and buyers. Negotiations are calm and effective.

Responsibility for results

I handle the entire process: from preparation to key handover. I lead the transaction to a safe and beneficial result.

Mobility and convenience

I organize viewings quickly at a time convenient for you. I can pick you up - no need to worry about routes or logistics.

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What our clients say

Client reviews

We couldn't find an apartment on our own. Marina is our fairy rescuer! I have never seen such efficiency. She considered all our wishes, and the communication was always pleasant. The apartment is amazing and at a great price. FOR BUYING A HOME - ONLY WITH YOU!

Maria

Property buyer, Poznan

The issue was solved quickly! Marina found an apartment exactly to my requests and criteria - just what I needed. The deal was handled correctly. The best impressions from communicating with such a charming person. I will recommend!

Oksana

Property buyer, Poznan

A very pleasant, communicative specialist. She found us a good apartment with a little garden. In Poland it is very hard to find a suitable apartment now, but Marina handled this task 100%. We are very satisfied!

Maria

Property buyer, Poznan

From the first minute you can see - a professional! She is focused on the client finding the right apartment. She clarifies all details and immediately sends a full catalog to choose from. Helps with the contract, organizes the meeting and signing. I will recommend to everyone!

Alexey

Property buyer, Poznan

My son entered university, but there was no dorm. Thanks to Marina, we avoided a fake contract and found a great studio with IKEA furniture. Marina showed patience and integrity at every stage.

Elena

Tenant, Poznan

Everything was done quickly and on schedule. Marina is a professional and a very pleasant woman. I will definitely recommend!

Vlad

Tenant, Poznan

In a short time we found and moved into a three-room apartment in a great district, with all wishes considered. All processes were transparent, and we felt constant support. We will definitely recommend to friends and family!

Svetlana

Tenant, Poznan

It was my first time renting, but thanks to Marina I quickly found the housing I needed. Quality service and full dedication. This will not be our last cooperation!

Dmitry

Tenant, Poznan

By the third day after we started searching, we already knew which apartment we would live in! Marina is always in touch, answers all questions and gives useful advice. She considered all wishes about interior and location.

Dmitry

Tenant, Poznan

Within 5 days after the request I already got the keys, including the notary! Everything was very fast. You dive into all nuances, help with documents and provide good offers at affordable prices. I recommend to everyone!

Yaroslav

Property buyer, Poznan

Patience and attention to every question. Working with Marina, you can be sure you will find housing. A wide selection for every taste. I will recommend to friends and acquaintances!

Vlad

Tenant, Poznan

High professionalism and excellent service. Everything was clear and fast. She found an apartment in a great location with good conditions. I confidently recommend!

Oksana

Tenant, Poznan

We found exactly what we wanted! Thank you for going with us to all apartment viewings, for the tips and professional work. Sincere thanks!

Olga

Tenant, Poznan

Every step was under control, as fast and easy as possible. Now my student is happy. Thanks to you, my mother's heart is calm.

Anna

Tenant, Poznan

Marina is not just a realtor. She is someone who hears, understands and finds solutions where it seems like a dead end. In three months she found the perfect house: cozy, with a garden and a green light for the cat. Her work is sincere involvement.

Darina

Property buyer, Poznan

FAQ

Questions about buying property

1. Passport or other identity document.
2. PESEL number (if you have one).
3. Residential address (for the contract).
4. Spouse consent if the property is bought in marriage (wspolnota majatkowa).
5. Mortgage documents (if buying with a loan):
- income statements,
- employment contract/umowa o prace or B2B,
- bank statements,
- credit history.
6. Bank account number from which payment will be made.

Yes, a foreigner can buy property in Poland, but the rules depend on citizenship and property type.

Short and clear:

1. EU citizens
Can buy freely - apartments, houses, land, commercial. No permit required.
2. Non-EU citizens (including Ukraine, Belarus, Russia, Asia, etc.)
- Can buy without a permit:
  - apartment (lokal mieszkalny) - always;
  - garage if purchased together with an apartment.
- A permit from the Ministry of Interior (zezwolenie MSWiA) is required if a foreigner wants to buy:
  - a house (dom jednorodzinny),
  - a land plot,
  - agricultural land,
  - commercial property.

PCC tax (Podatek od Czynnosci Cywilnoprawnych) - 2%. There are exceptions.

A notary is a mandatory participant in a property sale in Poland. The notary checks documents and certifies the contract.

Yes, many Polish banks provide mortgages to foreigners who have a residence permit and stable income.

We recommend working with a mortgage specialist from our company who works with foreigners, knows all nuances, and is focused on helping our clients obtain a loan.

Ksiega wieczysta is the land and mortgage register in Poland. It is the main document confirming ownership.

Typically from 2 weeks to 3 months: property search, document checks, mortgage process (if needed), and notary signing.

A preliminary purchase agreement that reserves the property and defines the terms of the main deal.

Property insurance is not mandatory, but recommended. Mortgage insurance is required if you take a loan.

Renovation is improving the condition of the property. Usually the buyer pays after purchase, but it can be negotiated with the seller.

Have questions?

Need an agent for foreigners in Poznan? Book a consultation

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Real estate agent for foreigners in Poznan